What does it do?
This policy sticks to providing a very basic cover against inpatient hospitalisation. Like any traditional health policy it covers all general expenses incurred during admission to hospital. Emergency ambulance to transfer patient from home or accidental site to hospital and back from hospital to home is also provided. Apart from inpatient treatment, it covers specific 130 such procedures not requiring a 24-hour hospitalisation due to technological upgradation. A free health check up can be availed at the end of four continuous claim-free years.
Pros
Family discount of 5 per cent is available.
Premium paid towards this policy is eligible for tax benefit under section 80D of Income Tax Act.
Cons
The policy offers a maximum cover of Rs 1 lakh only.
All benefits have a ceiling limit which means any expense beyond that limit will be denied.
